Paying Too Much for Car Insurance in Trumbull? Here’s How to Save!

People who are new to buying insurance online might discover finding the cheapest Trumbull car insurance is not as easy as it seems.

The purpose of this post is to teach you how car insurance quotes work. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. Although Connecticut car owners must learn how insurance companies market on the web because it can help you find the best coverage.

Vehicle Insurance Comparison

There are several ways to compare rate quotes from different in Trumbull, Connecticutinsurance companies. The best way to find the cheapest insurance rates is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  • The most efficient way to get quotes is to use a rate comparison form click here to open form in new window. This method saves time by eliminating boring form submissions for each company. A single form will get you rate comparisons . It’s definitely the quickest method.
  • A more difficult way to find lower rates consists of visiting each company’s website and complete a new quote form. For example, let’s assume you want to compare Liberty Mutual, Farmers and Travelers. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in Trumbull, click here.

It’s your choice how you get your quotes, but make sure you use the exact same coverages for every company. If you are comparing unequal deductibles or liability limits you can’t possibly decipher which rate is best in Trumbull. Just a small difference in coverage limits may result in large price differences. Just keep in mind that having more price comparisons will enable you to find a lower rate.

Save $421 a year. For real?

Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. All the companies say the same thing that you’ll save big after switching to their company. How does each company make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the right customer that makes them money. For example, a driver they prefer could possibly be a mature driver, has no tickets, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save when they switch Trumbull insurance quote

Potential customers who do not match the “perfect” profile will have to pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “everybody who quotes” save that much money. This is how companies can advertise the way they do.

Because of the profiling, it is so important to get a wide range of price quotes. It’s impossible to know which car insurance company will fit your personal profile best.

Discounts are basically free money

Insuring your vehicles can cost a lot, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically when you complete an application, but a few must be requested specifically before they will apply.

  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Sign Online – A handful of insurance companies give back up to $50 for buying your policy digitally online.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Safe Driver Discount – Safe drivers may save up to 50% more than drivers with accidents.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may save approximately 10% to 15%.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts until age 25.

It’s important to note that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will cut your premiums.

To choose insurance companies offering car insurance discounts in Trumbull, follow this link.

Additional car insurance information is available on the Connecticut Insurance Department website located here. Consumers can view agent and company licensing information, find a variety of consumer forms, get help finding coverage, and read state legal mandates and laws.

save money concept

In conclusion

Low-cost car insurance is available on the web as well as from independent agents in Trumbull, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer online quoting and these small insurance companies work with independent agents.

Throughout this article, we presented many tips how you can shop for car insurance online. The most important thing to understand is the more you quote, the higher the chance of saving money. Consumers may even find the lowest premiums are with the smaller companies.

When buying insurance coverage, never sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage for the lowest price, not the least amount of coverage.